Help is on the way for families who struggle to pay their health insurance premiums. Millions of middle-income Americans will qualify for tax credits in 2014, according to data released by consumer health organization Families USA.

Those who work for small employers stand to benefit the most from tax cuts, according to the data. More than 50 percent of those who will be eligible for the tax credit work for a company with less than 100 employees.

Furthermore, the data reveals that 66 percent of those who will be eligible for the tax credit will have an annual income of $44,100 for a family of four.

Families USA executive director Ron Pollack says the tax cuts will help families in need.

"This is one of the largest middle-income tax cuts in history, and it will enable many hard-working Americans to afford private health insurance premiums that continue to stretch family budgets," said Pollack.

Under healthcare reform, employers with less than 100 employees will be able to purchase coverage through an exchange. Policies purchased through an exchange may offer lower health insurance quotes since they have lower administrative fees. 

Healthcare costs are expected to continue their upward trend. In fact, double-digit rate growth is anticipated for next year, according to Aon Consulting's summer 2010 Health Care Trend Survey.

The survey of more than 60 healthcare insurers revealed that costs are projected to escalate more than 10 percent for HMO, POS, and PPO plans. An 11 percent increase is anticipated for CDH plans.

The cost increase could result in more people struggling to balance paying bills with their family health insurance premiums as employers shift more of the expense burden to their workers.

AON Consulting U.S. health and benefits practice director John Zern says employers must take multiple factors into consideration when reorganizing their benefit options.

"As employers start to fully understand the long-term cost impact of health reform, many are looking to redesign their health plans," says Zern. "Strong employee wellness and prevention programs, along with institutionalized best practices in care delivery, are key components to a successful redesign."

Even as costs rise for family health insurance coverage, it's still important to have. In the event of a severe illness or accident, health insurance can help cover expenses necessary to provide care.